Pahrump Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Pahrump averaged
6.64%
for the week of 2025-05-08, compared to the national average of
6.76% for the same period.
The average rate for the prior week (2025-05-01) was
6.64% and
one month ago for the week of 2025-04-03, the
average rate was 6.62%.
Pahrump's average rate one year ago was 7.2%.
For refis of the same type during the week of 2025-05-08, the average rate
was 7.16%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-08 | 6.76% |
| Pahrump 30 Year Fixed Rate | 2025-05-08 | 6.64% |
| Pahrump 30 Year Fixed Rate Refi | 2025-05-08 | 7.16% |
| Pahrump 15 Year Fixed Rate | 2025-05-08 | 5.69% |
| Pahrump 15 Year Fixed Rate Refi | 2025-05-08 | 6.19% |
| Pahrump 30 Year FHA | 2025-05-08 | 6.76% |
| Pahrump 30 Year FHA Refi | 2025-05-08 | 6.58% |
| Pahrump 30 Year USDA | 2025-05-08 | 6.27% |
| Pahrump 30 Year USDA Refi | 2025-05-08 | 6.47% |
| Pahrump 30 Year VA | 2025-05-08 | 6.42% |
| Pahrump 30 Year VA Refi | 2025-05-08 | 6.57% |
Pahrump Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Pahrump, NV market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Pahrump Average Closing Costs & Other Stats
Pahrump, NV's 100 lenders originated 1,434
loans during 2024. The total origination value was $360,410,000, with an average loan value of
$251,332.
Pahrump's average closing costs are $6,484.
The top Pahrump lender as defined by loan originations is South Pacific Financial Corporation, with
64 loans originated. Their average total fees are
$3,615, which is $5,213
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Pahrump lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION ($1,415), South Pacific Financial Corporation ($3,615), QUICKEN LOANS, LLC ($6,717), GUILD MORTGAGE COMPANY ($6,829) and AXIA FINANCIAL, LLC ($7,413).
The lowest rate Pahrump lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION (5.82%), South Pacific Financial Corporation (6.01%), Zions Bank (6.53%), LOANDEPOT.COM, LLC (6.63%) and UNITED WHOLESALE MORTGAGE, LLC (6.70%).
Pahrump, NV Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $20,360,000 | $38,215,000 | 87.7% | 10.6% |
| South Pacific Financial Corporation | $11,145,000 | $29,310,000 | 163.0% | 8.1% |
| GUILD MORTGAGE COMPANY | $13,420,000 | $25,320,000 | 88.7% | 7.0% |
| QUICKEN LOANS, LLC | $17,285,000 | $20,010,000 | 15.8% | 5.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $6,525,000 | $14,010,000 | 114.7% | 3.9% |
| Mortgage Research Center, LLC | $6,415,000 | $12,935,000 | 101.6% | 3.6% |
| AXIA FINANCIAL, LLC | $16,315,000 | $11,910,000 | -27.0% | 3.3% |
| HOMEAMERICAN MORTGAGE CORPORATION | $5,400,000 | $10,450,000 | 93.5% | 2.9% |
| FREEDOM MORTGAGE CORPORATION | $2,985,000 | $9,140,000 | 206.2% | 2.5% |
| SECURITYNATIONAL MORTGAGE COMPANY | $4,380,000 | $8,355,000 | 90.8% | 2.3% |
| LOANDEPOT.COM, LLC | $9,505,000 | $7,030,000 | -26.0% | 2.0% |
| LEADERONE FINANCIAL CORPORATION | $10,090,000 | $5,465,000 | -45.8% | 1.5% |
| Zions Bank | $5,190,000 | $5,075,000 | -2.2% | 1.4% |
| U.S. Bank | $3,645,000 | $4,920,000 | 35.0% | 1.4% |
| BROKER SOLUTIONS, INC. | $5,130,000 | $4,630,000 | -9.7% | 1.3% |
| PLANET HOME LENDING, LLC | $810,000 | $4,560,000 | 463.0% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,090,000 | $4,370,000 | 41.4% | 1.2% |
| NAVY FEDERAL CREDIT UNION | $3,315,000 | $4,340,000 | 30.9% | 1.2% |
| GUARANTEED RATE, INC. | $4,045,000 | $4,205,000 | 4.0% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $3,755,000 | $4,165,000 | 10.9% | 1.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,355,000 | $4,090,000 | 201.8% | 1.1% |
| CMG MORTGAGE, INC. | $1,085,000 | $3,950,000 | 264.1% | 1.1% |
| AMERICA FIRST | $3,705,000 | $3,930,000 | 6.1% | 1.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,700,000 | $3,625,000 | 113.2% | 1.0% |
| DHI MORTGAGE COMPANY, LTD. | $17,395,000 | $3,515,000 | -79.8% | 1.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $2,475,000 | $3,485,000 | 40.8% | 1.0% |
| VILLAGE CAPITAL MORTGAGE | $715,000 | $3,385,000 | 373.4% | 0.9% |
| NEWREZ LLC | $1,065,000 | $3,170,000 | 197.7% | 0.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,925,000 | $3,050,000 | 4.3% | 0.8% |
| LAKEVIEW LOAN SERVICING, LLC | $305,000 | $2,770,000 | 808.2% | 0.8% |
| PANORAMA MORTGAGE GROUP, LLC | $1,085,000 | $2,735,000 | 152.1% | 0.8% |
| Nations Lending Corporation | $475,000 | $2,670,000 | 462.1% | 0.7% |
| American Mortgage & Equity Consultants, Inc. | $1,110,000 | $2,600,000 | 134.2% | 0.7% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $295,000 | $2,435,000 | 725.4% | 0.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $880,000 | $2,265,000 | 157.4% | 0.6% |
| LENDINGHOME FUNDING CORPORATION | $1,440,000 | $2,250,000 | 56.3% | 0.6% |
| GENEVA FINANCIAL, LLC | $515,000 | $2,005,000 | 289.3% | 0.6% |
| ONE NEVADA CREDIT UNION | $1,105,000 | $1,840,000 | 66.5% | 0.5% |
| ZILLOW HOME LOANS, LLC | $460,000 | $1,795,000 | 290.2% | 0.5% |
| Flagstar Bank, FSB | $490,000 | $1,775,000 | 262.2% | 0.5% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,100,000 | $1,765,000 | 60.5% | 0.5% |
| The Loan Store, Inc. | $495,000 | $1,725,000 | 248.5% | 0.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $460,000 | $1,720,000 | 273.9% | 0.5% |
| INTERCAP LENDING INC. | $950,000 | $1,680,000 | 76.8% | 0.5% |
| PENTAGON FEDERAL CREDIT UNION | $1,650,000 | n/a | 0.5% | |
| CLEARPATH LENDING | $755,000 | $1,635,000 | 116.6% | 0.5% |
| Wells Fargo Bank | $2,530,000 | $1,585,000 | -37.4% | 0.4% |
| JPMorgan Chase Bank | $1,370,000 | $1,520,000 | 10.9% | 0.4% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $545,000 | $1,420,000 | 160.6% | 0.4% |
| Equity Prime Mortgage LLC | $1,230,000 | $1,410,000 | 14.6% | 0.4% |
| LENDSURE MORTGAGE CORP. | $295,000 | $1,355,000 | 359.3% | 0.4% |
| Bank of America | $1,015,000 | $1,320,000 | 30.0% | 0.4% |
| LIMA ONE CAPITAL, LLC | $1,260,000 | n/a | 0.3% | |
| Century Mortgage Company DBA Century Lending Company | $2,750,000 | $1,225,000 | -55.5% | 0.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,025,000 | $1,220,000 | -39.8% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $665,000 | $1,220,000 | 83.5% | 0.3% |
| Prosperity Home Mortgage, LLC | $1,760,000 | $1,200,000 | -31.8% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $785,000 | $1,195,000 | 52.2% | 0.3% |
| RMS & Associates | $1,425,000 | $1,190,000 | -16.5% | 0.3% |
| CALCON MUTUAL MORTGAGE LLC | $855,000 | $1,155,000 | 35.1% | 0.3% |
| Performance Financial, Inc. | $1,145,000 | n/a | 0.3% | |
| UNION HOME MORTGAGE CORP. | $905,000 | $1,140,000 | 26.0% | 0.3% |
| NEW DAY FINANCIAL, LLC | $1,255,000 | $1,135,000 | -9.6% | 0.3% |
| CASTLE & COOKE MORTGAGE, LLC | $1,625,000 | $1,120,000 | -31.1% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $2,455,000 | $1,090,000 | -55.6% | 0.3% |
| OCMBC, INC. | $900,000 | $1,080,000 | 20.0% | 0.3% |
| DATA MORTGAGE, INC. | $685,000 | $1,060,000 | 54.7% | 0.3% |
| CARDINAL FINANCIAL | $3,100,000 | $1,020,000 | -67.1% | 0.3% |
| Citadel Servicing Corporation | $415,000 | $990,000 | 138.6% | 0.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | $965,000 | n/a | 0.3% | |
| USAA Federal Savings Bank | $320,000 | $950,000 | 196.9% | 0.3% |
| LANTZMAN MANAGEMENT, INC. | $295,000 | $940,000 | 218.6% | 0.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $245,000 | $845,000 | 244.9% | 0.2% |
| ALAMEDA MORTGAGE CORPORATION | $465,000 | $815,000 | 75.3% | 0.2% |
| Magnolia Bank | $235,000 | $790,000 | 236.2% | 0.2% |
| CANOPY MORTGAGE, LLC | $205,000 | $740,000 | 261.0% | 0.2% |
| EVERETT FINANCIAL, INC. | $985,000 | $720,000 | -26.9% | 0.2% |
| Franklin Loan Corporation | $450,000 | $715,000 | 58.9% | 0.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $275,000 | $700,000 | 154.5% | 0.2% |
| The Federal Savings Bank | $2,185,000 | $660,000 | -69.8% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $650,000 | n/a | 0.2% | |
| V.I.P. MORTGAGE, INC. | $620,000 | n/a | 0.2% | |
| SWBC MORTGAGE CORPORATION | $365,000 | $615,000 | 68.5% | 0.2% |
| ALLIED MORTGAGE GROUP, INC. | $600,000 | n/a | 0.2% | |
| LONGBRIDGE FINANCIAL, LLC | $185,000 | $600,000 | 224.3% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $1,185,000 | $600,000 | -49.4% | 0.2% |
| UNITED MORTGAGE CORP | $590,000 | n/a | 0.2% | |
| LAND HOME FINANCIAL SERVICES, INC. | $245,000 | $570,000 | 132.7% | 0.2% |
| LOANPAL, LLC | $820,000 | $570,000 | -30.5% | 0.2% |
| MOUNTAIN AMERICA | $2,090,000 | $570,000 | -72.7% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,850,000 | $555,000 | -70.0% | 0.2% |
| Discover Bank | $870,000 | $555,000 | -36.2% | 0.2% |
| DIRECT MORTGAGE LOANS, LLC | $275,000 | $550,000 | 100.0% | 0.2% |
| First Option Mortgage, LLC | $550,000 | $540,000 | -1.8% | 0.1% |
| T2 FINANCIAL LLC | $530,000 | n/a | 0.1% | |
| First Federal Bank | $525,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $225,000 | $505,000 | 124.4% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $505,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $505,000 | n/a | 0.1% | |
| Ixonia Bank | $930,000 | $495,000 | -46.8% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $2,000,000 | $490,000 | -75.5% | 0.1% |
| Carrington Mortgage Services, LLC | $1,240,000 | $460,000 | -62.9% | 0.1% |
| MidFirst Bank | $455,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $450,000 | n/a | 0.1% | |
| Plains Commerce Bank | $375,000 | $430,000 | 14.7% | 0.1% |
| PHH Mortgage Corporation | $175,000 | $415,000 | 137.1% | 0.1% |
| Ally Bank | $485,000 | $385,000 | -20.6% | 0.1% |
| TOWER | $380,000 | n/a | 0.1% | |
| First-Citizens Bank & Trust Company | $365,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,945,000 | $365,000 | -81.2% | 0.1% |
| Umpqua Bank | $365,000 | n/a | 0.1% | |
| Gateway First Bank | $355,000 | n/a | 0.1% | |
| Encompass Lending Group, LP | $175,000 | $335,000 | 91.4% | 0.1% |
| FBC MORTGAGE, LLC | $1,665,000 | $325,000 | -80.5% | 0.1% |
| ML Mortgage Corp. | $325,000 | $325,000 | 0.0% | 0.1% |
| Old National Bank | $325,000 | n/a | 0.1% | |
| CLARK COUNTY CREDIT UNION | $530,000 | $320,000 | -39.6% | 0.1% |
| MORIA DEVELOPMENT, INC. | $225,000 | $320,000 | 42.2% | 0.1% |
| Logan Finance Corporation | $315,000 | n/a | 0.1% | |
| THRIVENT Federal Credit Union | $310,000 | n/a | 0.1% | |
| HighTechLending Inc | $570,000 | $305,000 | -46.5% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $535,000 | $295,000 | -44.9% | 0.1% |
| INTELLILOAN, INC. | $295,000 | n/a | 0.1% | |
| M&T Bank | $295,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $285,000 | n/a | 0.1% | |
| SILVER STATE SCHOOLS SERVICE COMPANY, LLC | $95,000 | $280,000 | 194.7% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $3,215,000 | $275,000 | -91.4% | 0.1% |
| Northpointe Bank | $275,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $255,000 | n/a | 0.1% | |
| BAY-VALLEY MORTGAGE GROUP | $275,000 | $255,000 | -7.3% | 0.1% |
| Citibank | $325,000 | $255,000 | -21.5% | 0.1% |
| FOUNDATION MORTGAGE CORPORATION | $255,000 | n/a | 0.1% | |
| GREATER NEVADA LLC | $785,000 | $255,000 | -67.5% | 0.1% |
| Figure Lending LLC | $205,000 | $245,000 | 19.5% | 0.1% |
| BETTER MORTGAGE CORPORATION | $235,000 | n/a | 0.1% | |
| Waterstone Mortgage Corporation | $325,000 | $235,000 | -27.7% | 0.1% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $225,000 | n/a | 0.1% | |
| NBKC BANK | $225,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $195,000 | $225,000 | 15.4% | 0.1% |
| CITIZENS EQUITY FIRST | $195,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $245,000 | $195,000 | -20.4% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $95,000 | $195,000 | 105.3% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $335,000 | $185,000 | -44.8% | 0.1% |
| INFINITY EQUITY GROUP, INC. | $175,000 | n/a | 0.0% | |
| The Huntington National Bank | $175,000 | n/a | 0.0% | |
| First National Bank of America | $165,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $155,000 | n/a | 0.0% | |
| Liberty Savings Bank, F.S.B. | $145,000 | n/a | 0.0% | |
| ARIZONA | $115,000 | n/a | 0.0% | |
| INOVA FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| BELEM SERVICING LLC | $145,000 | $95,000 | -34.5% | 0.0% |
| 21ST MORTGAGE CORPORATION | $115,000 | $85,000 | -26.1% | 0.0% |
| Honor Credit Union | $75,000 | n/a | 0.0% | |
| INTOUCH CREDIT UNION | $55,000 | $75,000 | 36.4% | 0.0% |
| ONY GLO, INC. | $75,000 | n/a | 0.0% | |
| SCE FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| PNC Bank | $35,000 | n/a | 0.0% |
Pahrump's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 10.6% market share. In second place, with 8.1%, is South Pacific Financial Corporation, having originated $29,310,000 in loans. In third place, with 7.0%, is GUILD MORTGAGE COMPANY, having originated $25,320,000 in loans. In fourth place, with 5.6%, is QUICKEN LOANS, LLC, having originated $20,010,000 in loans. In fifth place, with 3.9%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $14,010,000 in loans.
Pahrump, NV Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 977 | $269,155,000 | $275,491 |
| Refi | 158 | $44,020,000 | $278,608 |
| Cash Out Refi | 156 | $34,640,000 | $222,051 |
| Other | 92 | $7,420,000 | $80,652 |
| Home Improvement | 48 | $4,450,000 | $92,708 |
| NA | 3 | $725,000 | $241,667 |
Pahrump's most frequently cited loan purpose was Home Purchase, with 977 originations. The 2nd most popular reason was Refi, with 158 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 643 | $178,085,000 | $276,960 |
| 7-8% | 282 | $70,490,000 | $249,965 |
| 5-6% | 264 | $79,840,000 | $302,424 |
| Over 8% | 157 | $17,765,000 | $113,153 |
| 4-5% | 38 | $12,500,000 | $328,947 |
| <2.5% | 36 | $740,000 | $20,556 |
| 3-4% | 2 | $680,000 | $340,000 |
| 2.5-3% | 1 | $105,000 | $105,000 |
During 2024, Pahrump's most frequently originated rate bucket was 6-7%, with 643 originations.
Loan Sizing (Pahrump, NV MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 767 | $227,985,000 | $297,243 |
| $100k-200k | 260 | $40,240,000 | $154,769 |
| $100,000 or less | 236 | $11,140,000 | $47,203 |
| $400k-600k | 161 | $73,395,000 | $455,870 |
| $600k-1000k | 9 | $5,965,000 | $662,778 |
| $Over $1MM | 1 | $1,685,000 | $1,685,000 |
Pahrump's loan sizing saw the bucket of loans from $200k-400k with 767 originations, totaling $227,985,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 718 | $231,450,000 | $322,354 |
| 60-80% | 242 | $64,260,000 | $265,537 |
| Under 20% | 174 | $6,640,000 | $38,161 |
| 40-60% | 116 | $21,000,000 | $181,034 |
| 20-40% | 107 | $11,575,000 | $108,178 |
| Over 100% | 40 | $14,340,000 | $358,500 |
Pahrump's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 718 originations, totaling $231,450,000 in origination value.